Abstract: Disclosed herein is a system and method for conducting electronic transactions utilizing a wireless communications device or computer adapted to receive either a URL for accessing an indicia of value stored on a server or an image of the indicia of value. The present system further enables transmission of at least a portion of the indicia of value from one receiving device to another, and simultaneously deleting that transmitted portion from the first user's file on the server. The system also enables a user to transmit an SMS or text message containing information corresponding to an indicia to the server. The server then searches either its own database or that of another server for corresponding indicia. Once located, the server creates a separate file for the user containing that information and sends an SMS, including a URL, back to the device to enable the user to access that indicia.

Abstract: Disclosed herein is a system and method for conducting electronic transactions utilizing a wireless communications device or computer adapted to receive either a URL for accessing an indicia of value stored on a server or an image of the indicia of value. The present system further enables transmission of at least a portion of the indicia of value from one receiving device to another, and simultaneously deleting that transmitted portion from the first user's file on the server. The system, also, enables a user to transmit an SMS or text message containing information corresponding to an indicia 40 to the server 70. The server, then, searches either its own database or that of another srever, for corresponding indicia. Once, located, the server 70, creates a separate file for the user containing that information and sends an SMS, including a URL, back to the device 20 to enable the user to access that indicia.

Abstract: Disclosed herein as a system, device and method for conducting electronic transactions utilizing a wireless communications device adapted to receive a transaction program and data. The device comprises memory storage for storing a transaction program, a microprocessor and a display screen. The microprocessor executes instructions contained within the transaction program produces indicia representative of value, where value is selected from the group consisting an identifier of a purchased good, an identifier of a purchased service, a coupon, a discount, a prepaid transaction, an electronic negotiable instrument, a sum from a credit account, and a sum from a debit account. The indicia is readable by a scanner in communication with a merchant server, where the merchant server is adapted to access a provider server for storing and retrieving user account information.